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Internal Control Internal Audit. Fraud Investigations. Risk Assessment, Evaluation Analysis,

Mitigation & Controls. Annual Audit Planning. Quarterly Audit Committee Reporting. Senior Management Reporting. Branchless Banking Audits. Financial Reporting Audits. Core Banking Audits. Audit Fraud deterrence, detection and

prevention controls processes. Anti-Money Laundering Evaluation,

Analysis, Mitigation & Controls Processes.

Consultancy for Internal Controls Review.

Consultancy for Cost Controls measures.

Consultancy for Revitalizing measures for sick units/branches.

Review of Policies & Procedures.

Cell Phone # +923454754786 - (03454754786)

Personal email Addresses: duroodkashif@gmail.com

hussain.syedkashif@yahoo.com duroodkashif@hotmail.com

Postal and Residential Address: House No. A-144, Sector Z-4,

Gulshan-e-Maymar, Near Bank Islami and Town Hall Chowrangi,

Karachi, Pakistan. PC # 75340.

Computerized National Identity Card (CNIC) #

42101-8492115-5

Date of Birth: February 9th, 1971

Areas of Lead Expertise

Personal Profile

Syed Kashif Hussain – CPA - CFE Experienced Internal Audit Professional, Fraud Examiner and Investigator

Profile Summary

Objective: Equipped with tools of professional skills and competency, seeking a position where my knowledge and skills are capitalized and could contribute towards achieving organizational objectives along with professional growth.

Professional Experience Profile Summary : (details in last pa)

Organization Designation Tenure Reporting To

www.meezanbank.com

Assistant Vice President –

Internal Control

April 2016 To

Present

Director and Group Head

http://www.tameerbank.com

Executive Manager - Internal Audit

July 2007 To

April 2016

Head of Internal Audit

Manhattan International BPS. Research and Analysis.

Financial Data Researcher and

Analyst.

December 1, 2006 To

June 30, 2007 Director

Citizen Furniture Finance Manager August 1, 1993

To August 16, 2006

Director

Jamal Ahmed & Company, Chartered Accountants

Audit Assistant to Audit Team Leader

July 2, 1988 To

July 31, 1993 Manager

Professional Qualification:

Institution Professional Qualification Year

Certified Public Accountant - CPA 2010

Certified Fraud Examiner – CFE 2014

Academic Qualification:

Year Degree Obtained University / Institute

1994 Bachelor of Commerce University of Karachi 1990 Inter Commerce Islamia College, Karachi. 1987 Matriculation Govt Islamia School, Karachi.

References:

Name and Designation Contact

Syed Latafat Hussain Section Head, Internal Audit,

Cell # +923323915519 - Phone Home. +920216312512 Bank Islami Pakistan Limited

Faisal Ansari - AVP Cell # +923332383730, Bank of Punjab Farooq Azam, Head of Credit Risk

Cell # +92300235370 Tameer Microfinance Bank Limited

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Achieved Advanced Level English Language Diploma (ESL) Diploma from Pakistan American Culture Center (PACC) Cantt Branch.

Techniques of Minimizing Fraud and Strengthening Control

Understanding Credit Risk Models” offered by The Institute of Bankers of Pakistan

Export Procedure Training from SMEDA

IT Security Training Internal Control Procedures for Cheque

Payments: SBP Guidelines Anti-Money Laundering.

Leadership/Management

Administration & Management

Computers

Planning & Organization

Investigation

Communication

Negotiation

Time Management

Adaptability.

Analytical

Problem-solving

Teamwork

Association of Certified Fraud Examiners - (ACFE) - http://www.acfe.com/

Certified Information System Auditors (CISA) from ISACA. - https://www.isaca.org/Pages/default.aspx

Certified Internal Auditors – (CIA). - https://na.theiia.org/Pages/IIAHome.aspx

Diploma and Trainings

Skills:

Affiliations:

Detailed Professional Experience Profile

April 2016 to Present Meezan Bank is the first and largest Islamic commercial Bank of Pakistan. The Bank is headquartered in Meezan House - Karachi, Pakistan. It has a network of over 550 branches in more than 125 cities of Pakistan. It commenced operations in 2002 when State Bank of Pakistan issued first-

ever license for Islamic commercial banking. The Bank has a market share of 35% in Islamic banking industry of the country. Designation: Assistant Vice President - Internal Control Responsibilities: Currently I have been posted in Internal Control Segment of Branchless Banking Department of Meezan Bank and leading four Units of Internal Control that are Internal Audit, Fraud, Risk and Compliance.

July 2007 to April 2016 Owned by Telenor, Tameer Microfinance Bank Limited (TMFB), is Pakistan's Largest and the first private commercial Microfinance Bank bearing rating of ‘A/A-1’ (Single A/A-One) with a ‘Stable’ Outlook by JCR-VIS. It is the 1st Bank offering 24 Hour, Full Branch Operations, Upfront profit on Deposits. Since 2005, to offer Loan against Emergency in 2 Hours, to run banking and

mobile banking applications in private virtual clouds created in the Bank's Primary and Secondary sites. Since 2008, having 125 Branches, Financial Centers, Community Centers and Sales Centers operating nationwide, as well as 100,000+ Mobile Banking Outlets with the brand name "easy paisa" Designation: Executive Manager - Internal Audit

Responsibilities:

Industry Segment Audit Engagements

Branchless Banking - Agents’ Selection, On-boarding and their Due Diligence. - M-Wallet Registration and Know Your Customer (KYC) - Compliance. - Back-End Operations - Fraud Investigations, Detection and Prevention Process. - Anti-Money Laundering - Dispute Management and Complaints Redressal. - Domestic Remittance Over the Counter - Bulk Disbursements - Bill Payments

Management and Operations

- Alternate Delivery Channel (ADC). - Procurement Operations of IT and Administration. - Operational Risk Management and Risk Credit Committee. - Credit Risk Management - Business Continuity & Disaster Recovery. - Financial Control (FINCON). - Human Resources and Payroll - Fixed Assets Management - Fraud Risk Management - Liquidity Management - Collateral Risk Assessments and Evaluations, Movements,

Retention Management and Handling at Head Office.

Core-Branch Banking

- Branch Delinquency Controls Review - Loan Disbursals and Recovery Processes and their controls. - Collateral Movements, Retention Management and

Handlings at Branches. - Cash Operations and vault management and over-night

liquidity retention and Insurance coverage.at Branches. - Interbank Fund Transfer (Giro) - Account Opening and Closing. - Deposit and Withdrawals - Dormant and Inoperative Accounts Handling, - Cheque Book Management

Information Technology and Security

- Protection of Information Assets and IT Governance. - Technology Risk Analysis, Evaluation, Assessment &

Management.

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https://pk.linkedin.com/in/muhammad

-syed-kashif-hussain-cpa-cfe-b569ab18

https://www.facebook.com/public/Mu

hammad-Syed-Kashif-Hussain

https://pk.linkedin.com/in/muhammad

-syed-kashif-hussain-cpa-cfe-b569ab18

Social Profile:

Detailed Professional Experience Profile Continued…

Manhattan International December 1, 2006 to June 30, 2007

Designation: Financial Data Researcher and Analyst. Department: BPS. Research and Analysis. Job Description: Project ‘ANSA’ by ROK Corporation, UK. (Pakistan)

Designation: Data Researcher and Analyst. Department: BPS. Research and Analysis. Tenure: December 1, 2006 to June 30, 2007.

Roles and Responsibilities:

Data research and analysis. Provision of requisite data to the concerns. Assessments & analysis the performance & feasibility of projects. Reporting to High Command in UK and Pakistan.

Citizen Furniture August 1, 1993 to August 16, 2006 Designation: Manager Finance & Accounts. Department: Finance & Accounts. Tenure: August 1, 1993 to August 16, 2006.

Roles and Responsibilities:

Managing, Monitoring and evaluation of the maintenance of accounts. Daily transaction analysis, daily sales target & analysis of Target Sales achieved & Sales Team Performances. Preparations of sales report, sales forecasting, providing suggestions and proposal to enhance sales. Cash inflows & outflows, monthly & annual cash flow analysis. Merchandising operations. Payroll & overtime. Labor management. Job/product order costing. Bank Dealings/Reconciliations. Preparations of Final Accounts such as Financial Statements & Balance Sheets (Monthly & Yearly). Monitoring and evaluation of budget & keeping eye on Budgetary Control instincts. Preparation and finalization of budget. Preparing Feasibility Reports for various projects/matters. Managing Quotations & Tender.

Jamal Ahmed & Co, Chartered Accountants July 2, 1988 to July 31, 1993 Designation: Audit Assistant to Audit Team Leader

Professional Training: Served mandatory training period with Jamal Ahmed & Company, a reputed firm of Chartered Accountants and during this period, audited annual accounts of Manufacturing concerns, Insurance Companies, Banks and Private entities.

Plan, conduct and review audit assignments. Lead, supervise & conduct audits. Review the performance of the of the audit assignments to review effectiveness of accounting and managerial controls and accuracy of recorded data; evaluating level of efficiency, safeguard of assets; and ensure that the same are in compliance with applicable laws and policies and procedures. Ensure that standards of planning, audit work, and reporting are met Prepare formal written reports addressed to the departmental heads on the audit of their respective functions. Monitor, review, assess the adequacy and effectiveness of manual and system controls, Assess the completeness and effectiveness of business continuity efforts through review of plans and results of annual testing. Discuss deficiencies with management and recommend actions to improve controls, enhance information integrity, streamline processes, and reduce costs. Where appropriate, recommend changes in policies and procedures to enhance controls and to correct deficiencies.